HUM · Humana Inc
$392.51
+1.45 (+0.37%)
At close · Aug 27
Market Cap
$46.79B
Shares
120.06M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$391.06
Open$390.00
Day$386.55–403.15
52W close$163.67–409.42
Avg vol 30d1.4M
Short int3.4M · 2.8% float · 2.8d
Short vol57%
Last earningsNov 6, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 29
Up next
Next earnings call
Nov 6, 2026
Scheduled
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 29, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Fair
Quant / Vol
Very High
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+43%
above
Price vs 50-day avg
+2%
above
RSI (14)
56
neutral
MACD trend
Positive
52-week position
93%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+116%
trailing
YTD return
+53%
this year
Relative strength
+104%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $384 › 200d $274 — 50d above 200d
Institutional flow
Accumulating
+18% holders QoQ · +242 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.80% of float · ▼ -8.1% MoM · 2.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
930 holders — mid 3-yr range
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
EPS growth
−1%
Y/Y
Free cash flow
$375.0M
Valuation
P/E 41.6
rich
Buyback
$2.7B
remaining
Balance sheet
$8.2B
net debt
Quant / Vol
risk profile
Volatility
49%
annualized · 1-yr
Max drawdown
−48%
past year
ATR
3.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
GAAP EPS
· FY 2026
at least $6.52
prior FY $9.84
midpoint −33.7% Y/Y
Adjusted EPS
· FY 2026
at least $9.00
Individual Medicare Advantage membership change
· FY 2026
Initiated
25%
CenterWell segment income from operations
· FY 2026
Initiated
$1.3B – $1.8B
CenterWell segment income from operations
· FY 2026
Initiated
$1.5B – $2B
Effective Tax Rate
· FY 2026
Maintained
25.5%
Apr 29, 2026
25.5%
changed to
Jul 29, 2026
25.5%
Total Revenues Consolidated
· FY 2026
Initiated
at least $160B
prior FY $129.66B
midpoint +23.4% Y/Y
Individual Medicare Advantage membership growth
· FY 2026
Initiated
25%
Prior guidance
period ended
· from the 8-K filed Apr 29, 2026
Second quarter earnings as a percentage of expected FY 2026 Adju
· Q2 2026
80% – 85%
Guided vs delivered
· last 3 settled
GAAP EPS
FY 2025
guided $12.26
$9.84
Miss −19.7%
Consolidated revenues
FY 2025
guided at least $128B
$129.66B
In line
$37.25 target
2024
guided $37.25
$9.98
Miss −73.2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+43%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
56
Neutral
MACD trend
Positive
Bullish
52-week position
93%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $384 › 200d $274 — 50d above 200d
Institutional flow
Accumulating
+18% holders QoQ · +242 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.80% of float · ▼ -8.1% MoM · 2.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
930 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $164
Now $391 · 93%
Range high $409
vs 200-day avg +43%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted (non-GAAP) consolidated pretax results non-GAAP | $1.25B | 2Q26 | — |
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| Adjusted (non-GAAP) EPS non-GAAP | $7.61 | 2Q26 | +21.4% |
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| Benefit ratio | 91.1% | 2Q26 | — |
|
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| CenterWell Home Health same store admissions YTD growth | 3% | 2Q26 YTD | — |
| CenterWell Primary Care patients | 622,000 | as of June 30, 2026 | — |
| CenterWell Primary Care YTD patient growth | 130,900 | 2Q26 YTD | — |
| CenterWell Segment Adjusted (non-GAAP) Income from operations non-GAAP | $514M | 2Q26 | — |
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| CenterWell segment Operating cost ratio | 93.4% | For the six months ended June 30, 2026 | — |
| Consolidated Adjusted (non-GAAP) operating cost ratio non-GAAP | 9.7% | 2Q26 | -11.0% |
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| Consolidated GAAP benefit ratio | 90.2% | For the six months ended June 30, 2026 | — |
| Days in Claims Payable (DCP) | 33.1 | 2Q26 | — |
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| Debt to capitalization ratio | 42.7% | as of June 30, 2026 | — |
| Dental—ASO | 314.1K | As of June 30, 2026 | — |
| Dental—fully-insured | 2.19M | As of June 30, 2026 | — |
| Episodic Admissions | 168,800 | For the six months ended June 30, 2026 | — |
| Group MA YTD membership growth | 159,000 | 2Q26 YTD | — |
| Group Medicare Advantage | 727.2K | As of June 30, 2026 | — |
| Individual MA YTD membership growth | 1,204,000 | 2Q26 YTD | — |
| Individual Medicare Advantage | 6.45M | As of June 30, 2026 | — |
| Individual Stand-Alone Part D (PDP) YTD membership growth | 1,139,000 | 2Q26 YTD | — |
| Insurance Segment Adjusted (non-GAAP) Income from operations non-GAAP | 824M | 2Q26 | +7.0% |
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| Insurance segment Benefit ratio | 91.2% | 2Q26 | — |
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| Insurance segment GAAP benefit ratio | 90.3% | For the six months ended June 30, 2026 | — |
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| Insurance segment Operating cost ratio | 7.2% | For the six months ended June 30, 2026 | — |
| Medicaid YTD membership growth | 93,000 | 2Q26 YTD | — |
| Medicare stand-alone PDP | 3.95M | As of June 30, 2026 | — |
| Medicare Supplement | 551.5K | As of June 30, 2026 | — |
| Military services | 4.63M | As of June 30, 2026 | — |
| Operating cash flows | $3.22B | YTD 2026 | — |
| Operating centers | 398 | as of June 30, 2026 | — |
| Operating cost ratio | 9.8% | 2Q26 | — |
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| Operating cost ratio (Consolidated) | 10% | For the six months ended June 30, 2026 | — |
| Other supplemental benefits | 422.8K | As of June 30, 2026 | — |
| Primary Care Center Count (Total) | 398 | As of June 30, 2026 | — |
| Primary Care Patients Served (Total) | 622,000 | As of June 30, 2026 | — |
| Primary Care Providers (Total) | 1,478 | As of June 30, 2026 | — |
| State-based contracts and other | 1.6M | As of June 30, 2026 | — |
| Total Admissions - Same Store | 225,398 | For the six months ended June 30, 2026 | — |
| Total Dental | 2.51M | As of June 30, 2026 | — |
| Total Medical Membership | 17.91M | As of June 30, 2026 | — |
| Total Medicare | 11.13M | As of June 30, 2026 | — |
| Total Medicare Advantage | 7.18M | As of June 30, 2026 | — |
| Total Specialty Membership | 4.9M | As of June 30, 2026 | — |
| Vision | 1.97M | As of June 30, 2026 | — |
| CenterWell Home Health 1Q26 same store admissions growth | 4% | 1Q26 | — |
| CenterWell Primary Care operating centers | 398 | as of March 31, 2026 | — |
| CenterWell Primary Care patient growth | 110,500 | 1Q26 | — |
| CenterWell Primary Care patients served | 601,600 | as of March 31, 2026 | — |
| CenterWell Senior Primary Care patients growth | 110,500 | 1Q26 | — |
| CenterWell Senior Primary Care patients growth percent | 22% | 1Q26 | — |
| Group MA 1Q26 YTD membership growth | 161,000 | 1Q26 | — |
| Group Medicare Advantage Membership | 729.2K | As of March 31, 2026 | — |
| Home Solutions Episodic Admissions | 85,650 | For the three months ended March 31, 2026 | — |
| Home Solutions Total Admissions - Same Store | 114,507 | For the three months ended March 31, 2026 | — |
| Individual MA 1Q26 YTD membership increase | 1,144,000 | 1Q26 | — |
| Individual Medicare Advantage Membership | 6.39M | As of March 31, 2026 | — |
| Individual Stand-Alone Part D (PDP) 1Q26 YTD membership growth | 1,053,000 | 1Q26 | — |
| Insurance segment GAAP income from operations | $1.44B | 1Q26 | — |
| Medicaid 1Q26 YTD membership growth | 50,000 | 1Q26 | — |
| Medicare stand-alone PDP Membership | 3.86M | As of March 31, 2026 | — |
| Medicare Supplement Membership | 536.8K | As of March 31, 2026 | — |
| Military services Membership | 4.63M | As of March 31, 2026 | — |
| Pharmacy Solutions Generic Dispense Rate Total Medicare | 91% | For the three months ended March 31, 2026 | — |
| Pharmacy Solutions Mail-Order Penetration Total Medicare | 23.8% | For the three months ended March 31, 2026 | — |
| Primary Care Total Center Count | 398 | As of March 31, 2026 | — |
| Primary Care Total Patients Served | 601,600 | As of March 31, 2026 | — |
| Primary Care Total Primary Care Providers | 1,502 | As of March 31, 2026 | — |
| State-based contracts and other Membership | 1.56M | As of March 31, 2026 | — |
| State-based contracts membership growth | 50,000 | 1Q26 | — |
| Total Dental Membership | 2.52M | As of March 31, 2026 | — |
| Total Medicare Advantage Membership | 7.12M | As of March 31, 2026 | — |
| Total Medicare Membership | 10.98M | As of March 31, 2026 | — |
| Consolidated Adjusted (non-GAAP) benefit ratio non-GAAP | 90.2% | FY 2025 | — |
| Insurance segment Adjusted (non-GAAP) benefit ratio non-GAAP | 90.4% | FY 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Healthcare Plans — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HUM
this stock
Humana Inc
|
$46.79B | +52.7% | +10.1% | 41.6 | 2.8% |
|
UNH
Unitedhealth Group Inc
|
$359.94B | +21.5% | +11.8% | — | 1.7% |
|
CVS
CVS HEALTH Corp
|
$119.49B | +18.9% | +7.8% | 24.7 | 1.3% |
|
ELV
Elevance Health, Inc.
|
$86.50B | +14.8% | +12.5% | 17.7 | 2.5% |
|
CI
Cigna Group
|
$74.06B | +2.0% | +11.2% | 11.6 | 2.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HUM | +3.5% | +7.0% | +116.4% | +7.5% | +52.7% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | +3.8% | +2.0% | +103.9% | +4.9% | +40.3% |
Capital returns
Latest dividend
$0.885
/ share · ex Jun 26, 2026
Paid (TTM)
$3.54
/ share · 4 payouts
Dividend yield (TTM, derived)
0.91%
Buyback program
· as of Jul 28, 2026
Authorized
$3.00B
Spent (derived)
$300.00M
Remaining
$2.70B
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
49071
CUSIP
444859102
13F (30d)
696 filings
695 filers
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